Cálculo de intereses
Ahorrando S/ 542,187
Veamos que pasaría si Usted ahorrara 542,187 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2019) el interés más alto que brinda el sistema financiero peruano es de 8.5% y el más bajo es de 0.1%, en el siguiente cuadro mostramos los diferentes escenarios de inversión para S/ 542,187.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,193.96 | S/ 12,458.68 | S/ 18,794.97 | S/ 25,203.65 | S/ 567,390.65 |
| 8.50% | S/ 11,171.12 | S/ 22,572.41 | S/ 34,208.60 | S/ 46,084.55 | S/ 588,271.55 |
| 8.00% | S/ 10,532.52 | S/ 21,269.65 | S/ 32,215.36 | S/ 43,373.70 | S/ 585,560.70 |
| 7.10% | S/ 9,377.44 | S/ 18,917.07 | S/ 28,621.69 | S/ 38,494.16 | S/ 580,681.16 |
| 7.00% | S/ 9,248.65 | S/ 18,655.06 | S/ 28,221.93 | S/ 37,951.99 | S/ 580,138.99 |
| 6.50% | S/ 8,603.33 | S/ 17,343.19 | S/ 26,221.72 | S/ 35,241.14 | S/ 577,428.14 |
| 6.10% | S/ 8,085.45 | S/ 16,291.47 | S/ 24,619.86 | S/ 33,072.45 | S/ 575,259.45 |
| 6.20% | S/ 8,215.05 | S/ 16,554.58 | S/ 25,020.47 | S/ 33,614.62 | S/ 575,801.62 |
| 5.90% | S/ 7,825.95 | S/ 15,764.86 | S/ 23,818.36 | S/ 31,988.11 | S/ 574,175.11 |
| 5.75% | S/ 7,631.09 | S/ 15,369.58 | S/ 23,216.99 | S/ 31,174.85 | S/ 573,361.85 |
| 5.70% | S/ 7,566.09 | S/ 15,237.76 | S/ 23,016.49 | S/ 30,903.77 | S/ 573,090.77 |
| 5.65% | S/ 7,501.07 | S/ 15,105.91 | S/ 22,815.96 | S/ 30,632.68 | S/ 572,819.68 |
| 5.60% | S/ 7,436.02 | S/ 14,974.02 | S/ 22,615.41 | S/ 30,361.60 | S/ 572,548.60 |
| 5.50% | S/ 7,305.86 | S/ 14,710.16 | S/ 22,214.24 | S/ 29,819.43 | S/ 572,006.43 |
| 5.30% | S/ 7,045.26 | S/ 14,182.06 | S/ 21,411.60 | S/ 28,735.09 | S/ 570,922.09 |
| 5.25% | S/ 6,980.05 | S/ 14,049.96 | S/ 21,210.88 | S/ 28,464.00 | S/ 570,651.00 |
| 5.05% | S/ 6,718.98 | S/ 13,521.23 | S/ 20,407.77 | S/ 27,379.66 | S/ 569,566.66 |
| 5.00% | S/ 6,653.66 | S/ 13,388.97 | S/ 20,206.94 | S/ 27,108.57 | S/ 569,295.57 |
| 4.95% | S/ 6,588.31 | S/ 13,256.68 | S/ 20,006.08 | S/ 26,837.49 | S/ 569,024.49 |
| 4.75% | S/ 6,326.68 | S/ 12,727.19 | S/ 19,202.39 | S/ 25,753.14 | S/ 567,940.14 |
| 4.55% | S/ 6,064.68 | S/ 12,197.21 | S/ 18,398.32 | S/ 24,668.80 | S/ 566,855.80 |
| 4.50% | S/ 5,999.13 | S/ 12,064.63 | S/ 18,197.24 | S/ 24,397.72 | S/ 566,584.72 |
| 4.40% | S/ 5,867.94 | S/ 11,799.38 | S/ 17,795.02 | S/ 23,855.55 | S/ 566,042.55 |
| 4.30% | S/ 5,736.65 | S/ 11,534.01 | S/ 17,392.70 | S/ 23,313.37 | S/ 565,500.37 |
| 4.25% | S/ 5,670.98 | S/ 11,401.27 | S/ 17,191.50 | S/ 23,042.29 | S/ 565,229.29 |
| 4.20% | S/ 5,605.28 | S/ 11,268.50 | S/ 16,990.28 | S/ 22,771.20 | S/ 564,958.20 |
| 4.15% | S/ 5,539.55 | S/ 11,135.70 | S/ 16,789.03 | S/ 22,500.12 | S/ 564,687.12 |
| 4.00% | S/ 5,342.24 | S/ 10,737.11 | S/ 16,185.15 | S/ 21,686.86 | S/ 563,873.86 |
| 3.90% | S/ 5,210.58 | S/ 10,471.23 | S/ 15,782.44 | S/ 21,144.69 | S/ 563,331.69 |
| 3.75% | S/ 5,012.91 | S/ 10,072.16 | S/ 15,178.19 | S/ 20,331.43 | S/ 562,518.43 |
| 3.50% | S/ 4,682.98 | S/ 9,406.41 | S/ 14,170.63 | S/ 18,976.00 | S/ 561,163.00 |
| 3.00% | S/ 4,021.33 | S/ 8,072.48 | S/ 12,153.68 | S/ 16,265.15 | S/ 558,452.15 |
| 2.75% | S/ 3,689.60 | S/ 7,404.30 | S/ 11,144.29 | S/ 14,909.72 | S/ 557,096.72 |
| 2.50% | S/ 3,357.26 | S/ 6,735.31 | S/ 10,134.28 | S/ 13,554.29 | S/ 555,741.29 |
| 2.00% | S/ 2,690.76 | S/ 5,394.88 | S/ 8,112.41 | S/ 10,843.43 | S/ 553,030.43 |
| 1.35% | S/ 1,820.64 | S/ 3,647.39 | S/ 5,480.28 | S/ 7,319.32 | S/ 549,506.32 |
| 1.00% | S/ 1,350.38 | S/ 2,704.12 | S/ 4,061.23 | S/ 5,421.72 | S/ 547,608.72 |
| 0.10% | S/ 135.49 | S/ 271.02 | S/ 406.58 | S/ 542.17 | S/ 542,729.17 |
Sobre los datos
-
Para S/ 542,187 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 542,187 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.